Health care reform was passed and signed into law by President Obama on March 23, 2010. Promulgation of rules and regulations began immediately with the first wave of rules taking effect October 1, 2010. Health care reform will continue to take shape with the next important date being January 1, 2014, when systemic changes to health care will take place.
January 1, 2014 - Texas consumers will have four plan options in the individual and family markets, whether the coverage is purchased within the exchange or outside the exchange. The four plans will be designated platinum, gold, silver and bronze. There will be a lower priced plan targeting young adults.
Individuals who can afford health insurance will be required to obtain basic coverage or pay a tax. Exemptions will be available if affordable coverage is not available.
Individuals with incomes between 100% and 400% of the federal poverty line will be eligible for tax credits. Financial assistance will be available for individuals who are not eligible for other coverage. The tax credit can be paid in advance to lower premium payments each month.
Individuals may also be eligible a reduction in co-pays, co-insurance and policy deductibles..
Pre-existing conditions will no longer affect an individual's ability to secure coverage. Health insurance policies will be classified as guaranteed issue - an applicant cannot be declined based on health history or condition.
Health insurance policies will not be subject to increased premiums based on health history or gender. Policyholders can only be rated-up for tobacco use and age, which is limited to be no more than three times the lowest premium available for young adults. Important aspects of guaranteed issue that have not been finalized involve the establishment of an enrollment period to minimize adverse selection and the actual premiums for policies that must accept all levels of risk.
Waiting period for enrollment in employer sponsored plans limited to no more than 90 days.
Tax levied on health insurance companies based on the amount of premium volume.
Non-grandfathered plans (those plans with effective dates prior to March 2010) subject to additional standards, including limits on out-of-pocket maximums, provider nondiscrimination, and coverage of routine medical costs of clinical trial participants.
Stateside monitors the constant changes in health insurance and will continue to update Texas consumers on how these changes will affect their insurance buying decision.
Short Term versus
1st Open Enrollment Window Review
Texas ACA Introduction PDF
Health Reform FAQs
Penalty for not purchasing Texas health insurance
Grace Period Changes from Health Reform
The Health Premium Subsidy
Will Accepting Group Health Coverage Always Make Sense?
Health Reform Timeline in Texas
Texas Federal Health Exchange
Your Texas Health Reform Battle Plan
Child Only Health Care
Essential Texas Health Benefits
Health Subsidies for Texas plans
Texas Rider Info After Health Reform
Young And Healthy Texas Health Plan Options
Spouse Texas Health Coverage After Reform
The Texas Health Pool After Reform
You can contact Stateside Insurance Services in whichever way is most convenient for you:
Again, there is absolutely no cost to you for our services. Call 866-444-3332 Today!
|Single Person:||$11k - $47k|
|2 People||$16k - $63k|
|3 People||$20k - $79k|
|4 People||$24k - $95k|
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To Get Started
You can get the enrollment process started using any of the following:
Click on the Instant Quote link and provide census information. Stateside will respond with a proposal that outlines your various plan options with premium cost.
Call (866) 444-3332 (toll free) and speak with a licensed representative regarding your coverage, subsidy and enrollment questions.
Email Stateside at firstname.lastname@example.org with demographic information (date of birth, zip code and gender), and a proposal will be sent to you.
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit866-444-3332
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